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Homeowners

If you are like most homeowners, your home is your most valuable asset and should be protected as such. If your home is damaged or destroyed, it’s paramount that your claim settled by an insurance company that understands the significance of the place you call home.

ClientFirst can help you find homeowners insurance that will best meet your needs and provide you with the most valuable combination of tailored coverage, quality service as well as competitive pricing.

Common Homeowners Insurance Coverages

This portion of your policy covers the actual structure of the main house. The cost to replace your home can fluctuate based on costs of raw material, labor, and supply and demand.

We will run a replacement cost analysis on your home to gauge costs to rebuild it.

Other Structures

— This part covers any structure on your property that is not permanently attached to your house. For example, common structures are fencing, driveways, sidewalks and detached buildings like sheds and garages. Typically this coverage is 10% of your dwelling limit, but can be adjusted for more adequate coverage.

Personal Property

— This portion covers all of your personal belongings. For example, clothing, furniture, electronics and appliances. A simple explanation is anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use

— This part covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense

— This covers medical expenses for guests if they are injured on your property and in certain cases it covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability

— This part applies if someone is injured or their property is damaged and you are at fault. The coverage generally applies anywhere in the world. When selecting your liability coverage limits, consider things such as your annual earnings and your assets. Your personal liability coverage should be high enough to protect your assets if you were to be sued. In some situations, an umbrella policy may be necessary to provide additional coverage.

Scheduled Personal Property

– There are some situations when special coverage is needed for valuables or collectibles. A few examples are jewelry, firearms, and rugs.

How to get started

If you are looking for homeowners insurance, ClientFirst Insurance makes the process of finding the best company and most affordable price easy.